# OTM Loans - Cash Advance — Borrow Money App

> Instant payday loans and cash advances from direct lenders. (iPhone/iPad app by On The Money Loans LTD.)

- Source: https://appshunter.io/ios/app/otm-loans-cash-advance/id1626304833 (this page in markdown: same URL + `.md`)
- Developer: [On The Money Loans LTD](https://appshunter.io/developer/1622035672)
- Category: Finance
- Price: Free
- Rating: 4.82/5 from 169 App Store ratings · 10 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 14 MB
- Languages: English
- Released: 2022-05-29
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/otm-loans-cash-advance/id1626304833/reviews.md

## What is OTM Loans?

Need to get cash fast? Welcome to the OTM Loans app, your one-stop solution for instant payday loans.

Whether you just need a small cash advance to cover an unexpected expense or face a more difficult financial predicament, payday loans are a useful solution. Our app was developed to make borrowing online from direct lender as easy as possible - applications are processed on the same day and you get almost instant approval decision!

Material Disclosure:
APR rates range from 5.99% to 35.99% (maximum APR for qualified consumers). Repayment terms from 3 months to 36 months. 
If you borrowed $5,000 over a 48-month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67 with a total payback amount of $6,320.12, which, including the 8% fee paid from the loan amount, would have a total cost of $1,720.12. Representative 18.23% APR.

## Key features

- Instant cash advances
- Payday loans
- Online borrowing
- Same-day processing
- Instant approval decisions

## Recent user reviews (10 of 10)

All indexed reviews: https://appshunter.io/ios/app/otm-loans-cash-advance/id1626304833/reviews.md

### 1/5 — Bogus loan broker

*2022-09-22, version 1.0*

Same broker network you’ve already tried if you’re looking at this app. Scam / fake

### 1/5 — Bogus

*2022-08-05, version 1.0*

App is a bogus one not even a lender then can not click anything

### 5/5 — Fast and safe loans

*2022-07-23, version 1.0*

Fantastic app, absolute recommended, best online money loans

### 5/5 — ..

*2022-07-03, version 1.0*

очень полезно👍🏻👍🏻

### 5/5 — артем

*2022-07-01, version 1.0*

👍

### 5/5 — Ann

*2022-06-30, version 1.0*

Very good 👍

### 5/5 — Rita

*2022-06-30, version 1.0*

A very cool app

### 5/5 — Likeee

*2022-06-30, version 1.0*

I recommend this app!!! You can get a pay day advance here in np time and buy whatever, you need! 👍👍👍👍👍👍👍

### 5/5 — Vera

*2022-06-29, version 1.0*

Good

### 5/5 — Cash

*2022-06-28, version 1.0*

Super 👍👍👍

## Frequently asked questions about OTM Loans

### What is OTM Loans - Cash Advance?

OTM Loans - Cash Advance is a mobile application designed to provide users with instant payday loans and cash advances. It aims to simplify the process of borrowing money online from direct lenders, offering quick application processing and approval decisions.

### How does the app help users get cash fast?

The app facilitates fast cash access by allowing users to apply for payday loans online. Applications are processed on the same day, and users can receive near-instant approval decisions, making it a solution for unexpected expenses.

### What are the typical APR rates and repayment terms?

APR rates can range from 5.99% to 35.99% for qualified consumers. Repayment terms typically span from 3 months to 36 months, depending on the loan amount and borrower qualifications.

### Is this app available on all devices?

The provided description does not specify compatibility with particular operating systems or devices. Users should check their respective app stores for availability on their specific mobile device.

### What is an example of a loan repayment?

For instance, borrowing $5,000 over 48 months with an 8% arrangement fee ($400) would result in monthly repayments of $131.67. The total payback would be $6,320.12, with a total cost of $1,720.12, including the fee.

## Version history (last 3 releases)

### 1.1.1 — 2023-10-09

- bug fixes

### 1.1 — 2023-10-04

- bug fixes
- performance improvements

### 1.0 — 2022-05-29

No release notes.

## Apps similar to OTM Loans

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Payday Advance - ASAP Finance](https://appshunter.io/ios/app/payday-advance-asap-finance/id6444044180) | 4.7 (83) | Free | Finance |
| [Cash Advance: Provident Loans](https://appshunter.io/ios/app/cash-advance-provident-loans/id1626318063) | 4.8 (2,556) | Free | Finance |
| [Fast Loan - Borrow Cash App](https://appshunter.io/ios/app/fast-loan-borrow-cash-app/id1659446941) | 4.7 (1,194) | Free | Finance |
| [1F Cash Advance: Instant Loans](https://appshunter.io/ios/app/1f-cash-advance-instant-loans/id6443676852) | 4.6 (95) | Free | Finance |
| [Cash Advance - Loan Holdings](https://appshunter.io/ios/app/cash-advance-loan-holdings/id1601866834) | 4.8 (1,272) | Free | Finance |
| [Payday Pro - Money Loan App](https://appshunter.io/ios/app/payday-pro-money-loan-app/id1639365810) | 4.4 (504) | Free | Finance |

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*